TAI CHINH VI MO ( Sg 10 (123)-2013 )
^ r
Nang cao hieu qua thu hut va su* dung kieu hoi
TS.Vu D u y VTnh*
vao cdc nudc dang phdt Bdng 1: Lirpng kieu hdi ve Vift Nam
* qua cdc ndm
Dan vj. Tri$u USD Nhirng ndm gdn day, kieu
hoi Id nguon von ngay cdng tang, CO vai tro ngdy cdng quan trpng: lupmg kieu hoi hipn nay ngang v&i von FDI tkuc kipn vd gdp vdi ldn von ODA gidi ngdn.
Ldm the ndo di ndng cao kkd ndng thu hut vd hieu qud sir dung nguon kieu koi? Bai viit xin bdn tkim vi vdn di ndy.
Kieu hdi Id gl? Cd nhieu khdi nigm hilu vg kilu hdi.
Tbeo kbai niOm cua Ngdn bdng The gidi thi: "Kiiu koi bao gom cac khodn tiin chuyin tir nu&c ngodi CO nguon goc Id tku nhgp cda ngu&i lao dpng, ddn di cu a nu&c ngodi, dupc thi hiin trong cdn can tkanh todn quoc te Id khodn chuyin tiin (rang) ".
Cdn tbeo kbai nigm ciia Bach khoa toan thu md Wikipedia thi dan gian ban:
"Kigu bdi Id tien bgc dupc di chuyen hi nhftng ngudi dang tni ngu hay la lao dpng d nudc ngodi den than nhan cua hp tgi que huang"
Qua cdc khai nigm tren, tai Viet Nam, cd thl hilu: "Kieu koi la dong tdi chinh do cd nkdn Id ngu&i Vipt Nam djnk cu &
nu&c ngodi vd ngu&i Vipt Nam lao dpng a nu&c ngodi ckuyin ve Vipt Nam"
Ddi vdi cac nudc dang phat trien thi kigu hdi la ngudn vdn cd vai trd rdt quan trpng, gdp phdn xda ddi, gidm ngheo, dau tu phat trien. Trong nhung ndm gan ddy lupng kilu hdi do
Nim 1993 1994 1995 1996 1997 199S 1999 2000 2001 2002
Si t i l l 141 250 285 469 400 950 1.200 1.757 1.820 2.100
%/GDP 1,1 1,5 1,4 1,9 1,5 3,5 4,2 5,6 5,6 6,1
Nim 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012'
Sola 1700 3.200 3.800 4.700 5.500 7.205 6J83 8.260 9.000 10.500
WGDP
V
7,0' n
8,69,4 8,9 7,8 8,1 7,6 8,8
*Sd lieu u&c linh trien tdng gap ba ldn
so vdi nbihig ndm 80 ciia the ky trade.
Vipt Nam cung khdng ndm ngoai xu hudng chung cua cdc nudc dang phat trign. Vao khoang gifta nbihig ndm 1980, vdi nhung thay ddi can ban trong ehinh sach vg kilu hdi, Viet Nam da bat ddu tiep nhgn ddng
ngoai tp tft cdc kigu Ngudn: Thai bdo Kinh le Vi$t Nam: Kinh ti 2011- b a o ' d nudc ngoai. 2012 m Nam va ihi gi&i
Nbihig ddng vdn nay that su da cd nbihig tdc dpng to Idn ddi vdi cdc ca nhdn nhan tiln ndi rieng cung nhu su phdt triln cua ddt nudc ndi chung.
Tinh blnh tbu hut kieu hoi d Vipt Nam nhihig ndm qua
Truoc ndm 1993, do ViOt Nam hpi nhgp kinb te qudc tg chua dang kg vd cd nhihig trd nggi ve chinh trj, ngogi giao nen lupng kieu hdi chuyin v l Viet Nam cdn ban chl, khodng vdi chyc trieu USD mpt ndm.
Tu nam 1994, cimg vdi vipc My bd Lenh cam vgn Vipt Nam thi Vipt Nam cung ngay cdng hpi nhdp sdu rpng vao nln kinh t l khu vuc vd t h l gidi. Vdi nhigu yeu td thudn lpi, lupng kieu hdi chuyin v l Vipt Nam ngay mpt tdng.
Tinh binh thu hiit kieu bdi d Vipt Nam 20 ndm qua dupc the
biOn qua bang I.
Qua bang trgn ta thdy: tii ndm 1993 d i n 1998 kieu hdi dd tdng khd, nhung vdn chi d dudi mdc I ty USD. Tft nam 1999, lupng kilu bdi dd lien tiic vupt qua cac mdc 1 ty USD, tii 2002 da vupt qua mdc 2 ty USD, tu 2004 dd vupt qua mdc 3 ty USD, ndm 2007 vupt qua mdc 5 ty USD, ndm 2008 vupt qua mdc 7 ty USD, ndm 2011 vupt qua mdc 9 ty USD va udc ndm 2012 VU0 qua mdc 10,5 ty USD, miic cao nhdt tu trade tdi nay. Dgt dupc con sd nay, lupng kieu hdi nam 2012 ldn gdp 74,5 ldn ndm 1993, gdp 36,8 ldn ndm 1995, gap 6 ldn ndm 2000, gdp gdn 2,8 Idn ndm 2005, gdp 1,3 ldn ndm 2010 vd tdng 16,7% so vdi ndm 2011. Nhtmg ndm gdn day lupng kilu hdi dd cbilm xap xi 9% GDP
* Hpc vipn Tdi chinh
0 < > Tap chi nghi&n ciiu Tai chinh ic^ toan
(^ Sd'10 (123) - 2013 ) TAI CHINH VlMd
HiOn nay, Vipt Nam da Ipt vdo danh sdch "Top 16" qudc gia nhan kigu hdi Idn nhdt thl gidi (Vigt Nam xgp sau cac qudc gia nhu An DO, Trung Qudc, Mexico, Philippines, Pakistan, Bangladesh...) vd cd kha nang vuon len "Top 10" thg gidi h-ong nhftng ndm tdi.
Cd dupc ngudn vdn nay la nbd sd lupng ddng ddo ngudi Vipt sinh sdng vd lao dpng d nudc ngoai gui tign vg nudc.
Den nay cd ban 4,5 tripu ngudi Vipt Nam dang sinh song, lao dpng, hpc t | p tgi 103 qudc gia va vung lanh thd, nhu Mf khodng 1,5 tripu ngudi, Phap khoang 350.000 ngudi, Canada khodng 200.000 ngudi, Uc khoang 250.000 ngudi vd nhieu qudc gia khac. Ngoai ra, phai ke den lpc lupng nhftng ngudi di xudt khdu lao dpng. Mdi ndm trung binh 80.000 lupt lao dOng xudt ngogi vd bign cd khoang 500.000 lao dpng Vipt Nam dang lam vipc d nudc ngodi vdi dtic tinh can cii, tiet kigm, ludn hudng vc que huong.
Nhftng ndm qua, Iupng kieu h6i chuyen ve nudc tdng nhanh do m^t $6 ylu t6 nhu:
Thir nhat, do sp ddi mdi, md cua hpi nhgp ciia dat nudc vd sy tbdng thodng, cdi md cua chinb sach nhd nudc ddi vdi kieu hdi. Tbeo do, ViOt kilu cd thl chuygn tiln v l nudc de mua nhd d, gui cho ngudi thdn d l ddu tu, kinb doanh dudi hinb thuc cho vay, cbo muon vdn.
Nbd nudc cbo phdp ngudi thy hudng dupc nhgn ngoai tp tiln mdt hodc md tdi khodn ngoai tp d cdc ngan hang thuang mai.
Phi chuygn tiln dupc Nhd nudc
Bieu do 1: Nguon kieu hoi, FDI thpc hipn va ODA gidi ngan nhiiiig ndm qua
Dan Vf: Ty USD
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Nguon • Thai bdo Kinh le Viet Nam: Kinh te 2011-2012 Vi^t Nam v
*Sd lieu u&c linh
< the gi&i
quy djnb d muc rdt thdp, cbi bdng 0,05% tdng sd tien chuygn vl, khdng bgn chg sd lupng, ngudi nhgn kieu hoi khdng phai chiu thul thu nhgp. Nhd nudc cho pbep nhieu td chuc, nhu cdc ngan bdng tbuong mai, buu dipn, cdng ty lam dich vy chuygn tien kilu bdi. Ngudi thy hudng kilu hdi khong bj bdt bupc pbdi bdn ngogi tp cbo ngan hang tbuong mgi theo ty gia quy dinh, md dupc nhdn diing ngogi tp, hodc cd bdn cbo ngdn hang thuang mgi bay kbdng Id quyen cua ngudi nhdn.
Thii" hai, sy pbdt trien cita mgng ludi cac ngan hang td chuc tin dyng dd tao thudn Ipi cbo vipc chuygn tien tft nudc ngodi ve. Trong nhihig ndm qua, sy thugn Ipi, nhanh chdng, an todn cho ngudi nhdn tien tgi cdc ngdn hdng tbuong mgi (NHTM) va cdc don vi Idm dich vy chuygn kigu hdi, ke cd vigc dua
tien den tgn nhd ngudi nhdn dd gdp phdn gia tdng lupng kieu bdi chuyen ve Vigt Nam. Hign nay, ngoai cdc NHTM cdn cd hdng chyc cdng ty kilu boi cung ung djch vy chuyen tign tu nudc ngodi ve Vipt Nam. Nhigu ngan hang cd thl manh cung cdp djch vy chuyen tign kigu boi vi cd mgng ludi rpng, cdng ngbO kigu hdi hien dgi cho phep xu ly giao djch kilu bdi tap trung vdi mftc do ti; dpng cao, quan bO vdi nhieu nudc nhu: Vietcombank, Vietinbank, BIDV, Agribank, ACB, Sacombank, Ddng A...
Tbu- ba, nguygn nhdn tu ldi sudt vd ty gia. Ldi suat d cdc nudc hipn rat thap, trong khi ldi sudt tien giri USD d Vigt Nam khd cao {nam 2010, ldi suat xoay quanh muc 5%/ndm, dau ndm 2013, ldi sudt tiln gui USD cd gidm, nhung van Id 2%/ndm, cao hon mirc ldi suat 0,35%/ndm d MJ). Ben cgnh dd
Tap chi nghien ciiu Tai chinh k^ todn ^ ^
TAI CHINH VI MO ( So 10 (123)-2013 )
gia USD trgn the gidi giam nhung vdn tdng chgm d Viet Nam. Cdnh kgo ty gid d Viet Nam so vdi cac nudc khd cao (1 USD d Vipt Nam cd siic mua bdng khodng 3 USD d My) cung cd sue but kieu bdo vd ngudi lao dpng Viet Nam d nudc ngodi gui tien vg.
Nhung tac dpng tich cue vd hgn che ciia kieu hoi:
Nhitng tdc dpng tich ctfc cda kieu hoi:
- Kieu hdi la ngudn thu ngoai tg dn dinh, kbdng hoan lai va ddc bipt kigu bdi tgo ra nguon vdn cho sy phdt trien kinh te, khdng tao ganh ndng np nudc ngoai cbo ngn kinb tg. Nguon vdn ndy giiip dat nudc giam tbigu nhieu rui ro trong qua trinh huy dpng vdn, giam sy phy thudc vdo ngudn vdn nudc ngodi.
- Hipn nay, xudt khdu dang Id linh vyc tgo ra ngudn thu ngogi tp dang kc cho dat nudc.
Tuy nhien, xudt khdu hogc du lich phai ddu tu nhieu mdi cd dupc nhftng khodn ngogi tp ndi trgn trong kbi dd tbi ngudn tbu kieu hdi dudng nhu khdng phdi dau tu, hodc neu cd thi khdng dang kg so vdi gia tri md nd mang lgi.
- Ngudn kigu hoi cd nbimg uu diem so vdi vdn dau tu true tigp tu nudc ngoai (FDI) cung nhu ngudn vdn hd h p pbdt trien chinb thuc (ODA). Viet Nam cung nhu nhieu nudc rdt coi Ppng FDI vi thyc sy FDI cung Id ngudn vdn ldn gdp phdn tdng tradng kinh te. Tuy nhien, ngudn vdn dau tu ti-yc tiep nudc ngoai ciing cd nhihig tieu cpc nbu gay d nhigm mdi tradng, lam can
kiOt nhanh cdc ngudn Ipc xd bpi, nhdt Id tai nguyen, ngu hp khdng xudt khdu thi sg cgnh ti-anh vdi hang hda cung logi sdn xudt Pong nudc. Trong kbi dd ngudn vdn kilu hdi thi tranh dupc cdc mdt tigu cpc nay. Cdn ddi vdi ngudn vdn ODA ciing Id ngudn vdn quan trpng, nhung 90% Id vdn vay, neu sft dyng khdng tdt se tgo ra ganh ndng np nan cho cdc the hO sau. Trong khi dd, ngudn vdn kilu bdi khdng phai tra np cho ai cd. Ve sd Iupng ma ndi ngudn kigu bdi khdng kem ngudn vdn FDI Id bao nhieu vd ldn bon cd ngudn vdn ODA (xem bieu dd 1). Nhihig ndm qua vdn FDI ddng ky cd ndm rdt Idn nhu nam 2008 tdi ban 71 ty USD, nhung ndm ndy chi thyc bipn dupe 11,5 ty USD. Nhftng nam gan day vdn FDI thpc biOn cung chi tren 10 ty USD. Vdn ODA cam kit moi ndm tft 7 din 8 ty USD nhung giai ngan mdi nam cbi dupc non nua vdn cam kit. Thpc t l thi vdn FDI ddng ky vd vdn ODA cam kgt chi Id tiem ndng, kbdng chdc chdn;
chi cd vdn FDI tbyc bipn vd vdn ODA gidi ngdn mdi thpc sp dupc hap thy bdi ngn kinb te.- Cdn ngudn kilu bdi tbi dlu Id vdn tbyc, ddng gdp toan bp cho nen kinh te.
HiOn nay, ViOt Nam dd Id qudc gia dgt muc tbu nhdp ti-ung binh nen vipc buy dOng vdn ODA sg khd kbdn bon trade.
Qua bieu dd 1 ta thdy vdn ODA giai ngan thap ban nhilu so vdi kieu hdi, ndm 2012 vdn ODA gidi ngan chi bdng 1/3 kilu bdi.
Nbihig nam qua vdn FDI thyc hien chi tren dudi 10 ty USD/ndm do n l n kinh t l kbd
hdp thy vl c a sd ba tdng ygu kgm, mdi tnrdng kinb doanh cdn nhilu trd nggi, chat lupng ngudn nhan lpc cdn thdp...Tft ndm 2012, ldn ddu tign kilu bdi da vupt vdn FDI thpc hiOn. Qua dd cang thdy ro hon tdm quan trpng cua kieu hdi.
- Kilu hdi ddng gdp cbo cdng cupc xda ddi gidm nghgo, nang cao ddi sdng ngudi lao dpng. Nguon vdn nay chdy tbdng vdo kbu vuc dan cu, do dd cd tinh tbiic day dau tu tu nhan cao, gidi quygt cdng an viOc lam, nang cao miic thu nhap cho cdc chu the nhdn kieu bdi va cdc cbii thg dupc budng lpi ttr ngudn ddu tu kigu hdi.
- Ngudn vdn kigu bdi cd tac dyng hd trp cdn cdn thanb todn qudc gia. Trong nhieu ndm qua vd cd hipn nay, ViOt Nam Id nudc ludn ludn nhgp sieu, tinh rigng ndm 2011, Vipt Nam nh$p sieu khoang 9,84 ty USD, ngudn kieu hdi nhdn dupc trong nam 2011 la 9 ty USD, dd bii ddp dupc khoang 9 1 % tbam hyt cdn can thuang mgi. Bgn cgnh nhftng mdt tich cpc, kiOu hdi cung cd nhftng mat hgn che:
Nhirng hpn che cua kieu hoi:
- Lupng kieu hdi ldn cd thg dnh hudng den viOc dilu bdnb cbinh sdcb tiln tp cua Ngdn bang Nbd nudc (NHNN), tgo dp luc gia tdng tdng phuong tiOn thanh todn thdng qua gia tdng tdi san cd ygu td nudc ngodi rdng (MFA), gay khd khdn cbo NHNN trong kiem sodt tiln tO.
- Ngudn kilu bdi khdng dupc thu but hodn toan vdo hp thong ngan bdng. Thpc t l tgi
O
Tap chi nghien ciifu Tai chinh kS toan(^ So 10 (123) - 2013 ) TAI CHINH VI MO
ViOt Nam cbo thdy, khi tilp nhgn cdc ddng ngogi tO, ngudi dan tbudng cd xu hudng nit tiln mat dg bdn Igi tren tbi tradng vdi ty gid cao ban thay vi giii tien hodc bdn lgi ngogi tO cbo ngan hang dd ldm trdm trpng tbgm tinh trang ddla hda tign mat trong nen kinh tl. Dilu nay cdn ddn den thpc trgng Id cdc ngdn bang kbdng du ngudn ngogi to dg cung ung cho cdc doanh nghigp xudt nhgp khdu.
Cac doanh nghipp cdn ngogi tO cho hogt dpng kinh doanh cua minh thi phai tim kilm ngudn tu thi trudng tp do vdi ty gia cao ban kbd nhigu so vdi ty gia ngdn hang.
- Vigc tang lupng kieu bdi dd ve Viet Nam ma pban ldn sd do, cdc hp gia dinh dg tigu dimg (bang trong nudc va nhdp khau) cung lam tang tdng cau, cd thg dd gdp phan lam mat cdn ddi cung - cau hang hda, khien lam phat tdng...
- Bgn canh dd, khde vdi vdn ODA, nhdt la vdn FDI, kigu bdi cbuyln v l trong nudc nhung tbudng kbdng di kem cdng nghp va kinh nghipm quan ly.
- Hogt dpng nia tign: Kieu hdi la boat dpng chuyen tien cd nhan nhung cd (juy md ldn ngn ddt ra vdn d l vl bogt dpng nia tiln vd tdi h p khung bd, ddc biet doi vdi kilu hdi dupc chuyen qua kenh phi cbinb thiic. Tbeo nhan djnh cua Ca quan Phong chdng ma tuy va tpi phgm Lien Hpp Qudc (UNODC), Viet Nam d l bi tpi phgm nia tien tim din do nln kinb t l sft dyng nhilu tiln mdt ciing vdi boat dpng thuang mgi va dau tu ngay cang gia tdng.
MOt so gidi phap ndng cao hiOu qud thu hut, sur dyng kilu hoi
MOt Id, cai thign mdi tradng kinb doanh vi moi tradng kinb doanh anb budng tryc tigp dgn hogt dpng sdn xudt kinh doanh ciia cac cbu thl trong nen kinb tl. Mdi tradng kinh doanh thugn lpi sg tgo CO hpi gia tang hipu qua dau tu cung nbu siic cgnh Panh ciia cdc doanh nghigp. Khi mdi trudng kinh doanh tdt sg khuyen khich kieu bdo ygn tdm ddu tu v l nudc. Thpc hipn minh bach ngudn tbdng tin ve kinb doanh, thj trudng d Viet Nam.
Cdn cd nhieu chien djch quang bd de cung cdp day du cdc tbdng tin vg cbinh sdch ciia Nbd nudc nhdm gidi tod tdm ly cbo kieu bao d nudc ngodi, tbu biit ngay cang nhigu cac doanh nhdn Id kilu bdo tft cdc nudc tren thl gidi ddu tu ve que huong. Hinh thdnh them nhung td chuc ldm cdu ndi thich hpp cho kilu bdo ve nudc va xay dpng mgt diln ddn cd tinh chat thudng nign ve tu vdn chinh sdcb cho Chinb pbii ddi vdi mpt sd ITnh vpc quan Ppng cua kinb t l - xa hpi cd sp tbam gia cua tii tbftc kigu bao.
Hai Id, ddy nbanb vipc tdi CO cau kinb te tbeo hudng phat trien ben vimg, cbii trpng hipu qua san xudt kinb doanh. Khi hiOu qua nen kinh te tang len, hipu qua hogt dOng ciia cac doanh nghiOp dupc nang len cung vdi vipc td chuc Igi thj trudng chung khodn minh bach, hipu qua thi s6 lay lgi niem tin cua nbd ddu tu. Khi do khdng chi kieu bdi ma cd nbihig ludng vdn kbdc sg ddu tu mgnh ban
vdo tbi tradng chimg khoan.
Ba Id, phd bdng tbj trudng bat ddng sdn theo budng minh bgch, giam cbi phi trung gian, dua gid bdt dpng san ve gia trj thpc gan ban vdi kha ndng cua ngudi mua cd thu nhgp trang binh. Rit nbilu ngudi trong nudc cung nbu d nudc ngodi cd nhu cau mua nhd nhung do gid qud cao nen khong mua dupc.
HiOn nay, cd rat it Vipt kieu mua nhd trong nudc, mgt phdn vi gid cao, mpt phdn vi thii tyc phdc tgp. Nha nudc cdn cd chinh sach thdng thodng ban de Vipt kieu dl dang ban kbi mua nhd trong nudc. Cd nhilu ngudi Vipt Idm dn d nudc ngodi mudn mua nhd trong nudc lam ciia de danh hodc dg d kbi ve gid, quay ve nudc. Nhung hp co thu nhgp khong nhilu, neu mua nbd tbi kbdng cdn v6n kinh doanh. Dl giai quyet vdn de nay cdc ngan hang trong nudc cdn thdnh lgp cac cbi nbanb d nhiing nudc cd nhieu ngudi Vigt lam dn, sinh sdng. Cbo phep ngudi Vigt ldm dn d nudc ngodi mua nhd trong nudc dupc thl chdp ngdi nha tgi ngan hdng mp vd vay vdn cfta chi nhdnh ciia ngan bdng mp tgi nudc ngodi nbu each md BIDV va Vietinbank dang ldm d Cpng bda Sec va Cpng bda Lien bang Due. Lam nhu vgy ngudi ViOt d nudc ngoai vdn dupc sd hftu nha trong nudc va van cd vdn kinh doanh. Giai phdp ndy vfta cd tdc dyng thu hut kigu bdi ve trong nudc ddng thdi cung gdp phdn dg giai quygt mpt vdn de ndng bipn nay la bat dpng san tdn kho rdt Idn.
Bon Id, NHNN nghign ciiu va dua ra chinb sach dieu chinb (Xem tiip trang 24)
Tap chi nghien cufu Tai chinh ke toan OS
NGHIEN ClJfU TRAO D 6 I
( 8^ 10 (123)-2013 J
khai, phd biln cac chinh sach tin dung uu ddi ciia Nha nudc ddi vdi kbu vpc NN, NT din ngudi dan mpt each kip tbdi tgo co sd cho vice tdng sd lupng khach bdng, tdng doanh sd cbo vay cung nhu miic du np. Ngodi ra, cdc cap chinh quygn ngn ddy nhanh viec giao ddt lau ddi cho ngudi ddn, thuc biOn chmh sdch ddn diln, ddi thiia dl ngudi ndng ddn cd rupng ddt phat trien san xudt ndng ngbiOp vdi quy md ldn.
Thir tu, tilp tyc thuc biOn cae chinh sdch tin dyng hd Pp ITnh vuc NN, NT theo budng dan gidn hda tbii tyc cbo vay, uu ddi ldi sudt, da dgng hda binh thiic cho vay theo td nhdm, nen
bd sung hinh thiic cbo vay tin chap hodc hinh thiic bdo lanh tin dyng tgo dieu kiOn cho nhiing hO san xudt khdng du tdi san ddm bdo vay vdn tign hanh nhQng hogt dpng san xudt cd higu qud cao.
Thi> ndm, Ngdn hang Nhd nudc nen ban hdnh chinh sach cdp bii Iai sudt kip thdi cho nhiing td chiic tin dyng cho vay uu ddi ITnh vpc NN, NT, cdn quy dinb ro Pdcb nbiOm xii ly cua Chinh pbli khi cd riii ro tin dpng xdy ra dg cdc td chiic tin dyng yen tdm bon Pong viec thpc bipn nhipm vy ndy.
Tdi lifu tham khdo Ngdn hdng Nkd nu&c Vipt Nam - Chi nhdnh Thanh Hoa (2010). Bao cao kit qud 10 ndm thuc hipn Quyet dink 67/1999/QD - TTg vi mpt sd chinh sack tin dung ngdn hdng phuc vu phdt triin nong ngkipp nong tkon;
Ngdn hang Nhd nu&c Vipt Nam - Chi nkdnk Tkank Hoa (2013), Bdo cao tong hpp tink kinh cho vay doi v&i link v(«;
nong nghipp nong thon tren dfa ban tink Tkank Hoa tie ndm 2008 din nam 2013;
Cue Tkdng ke Thanh Hoa (2012), Kit qud sa bp long dieu tra nong tkon, nong nghipp vd thuy sdn 2011 Thank Hoa;
Nang cao hieu qua thu hut va su* dung...
ty gid phii bpp vdi thpc tl, gidm thieu khodn chenh Igch ty gia giiia ngan bang va tbi trudng tp do de thu hiit lupng kieu hdi vl hO tbdng ngdn hang theo hudng cd Ipi cho khdch hdng. Quy dinb thdng nhdt ty gia cbo cac cdng ty cbi Pa kilu hdi va phai ngang bdng vdi ty gid ciia ngan hdng. Cac nganh cd lien quan nbu qudn ly tbi trudng, tbanb Pa, CO quan thdng tin dgi chiing... phdi bpp ciing bO thdng ngan hang ehdm diit tinh Pgng ban hdng thu bdng ngogi tO vd nigm ygt hang hod, dich vy bdng ngogi tp trdi pbep, d$c biOt la dip trude Tit Nguyen dan, khi miia kigu hdi sdi dpng nhdt.
NHNN cdn cd biOn phdp ddm bdo cho lai sudt tien giii npi tO du siic hdp ddn dg khuyin khich ngudi nhan kilu hdi chuygn
sang npi tO, tii dd tgo ra ngudn cimg ngogi tO ddi dao cbo cac NHTM, tdng ngudn dp trii ngogi hdi eua ngn kinh tl.
Ndm Id, tdng cudng cdng tdc thdng kg vd gidm sat ngudn chuyen tign kilu hdi dl pbdt hipn cdc giao dich bdt thudng nhdm trdnh lpi dyng kenh chuyin tien nay de nia tiln vd tdi Pp khung bd.
Sdu Id, cdn lam tdt cdng tac tuyen tiiiyln de ngudi nhan tiln kieu bdi dau tu vao cac hogt dOng kinb doanh, trdnh bd tiln vdo cac kenh ddu tu nhilu may rui hay sa ngd vao tp ngn xd bpi.
Ben cgnh dd cung khuyin edo ngudi dan tranh sii dyng cdc dich vu chuyen tign khdng cbinh tbftc, chuyen tign "tay ba"
de ban chg nii ro.
(nip theo trang 15)
Tdi lipu tham khao:
Th&i bdo Kinh te Vipt Nam.
so Tong lugn: Kinh ti 2011- 2012 Vipt Nam & Thi gi&i
http://www.baomoi. com/Ho me/TaiChinh/giaoducthoidal vn /Mot-so-van-de-ve-kieu-hoi-o- Viet-Nam/5983322.epi
kttp://www. baomoi.com/Kieu -hoi-tang-ky~luc/126/
I0114484.epl
http://tapckithue. com. vn/do anh-nghiep-thi-truong/156- doanh-nghiep-thi- truong/1698- kieu-hoi-xac-lap-ky-luc- moi.html
http://baodienni.ckinhphu.vn/
Home/Kieu-hoi-khong-chi-la- tien/201210/150534.vgp
Tap chi nghien ciifu Tai chinh ic^ todn
